From freedom to framework: solving the retirement income challenge

Insights

17/04/2026

Savers are being asked to make increasingly complex decisions at retirement, despite often lacking the confidence or understanding to do so well. As the industry looks beyond accumulation and towards better decumulation outcomes, the challenge of turning pension wealth into sustainable retirement income is becoming harder to ignore.

Guided retirement is emerging as a potential solution. But delivering it effectively will require the right balance between stronger support and saver freedom, underpinned by robust data, governance and technology.

Explore how pension leaders are thinking about the frameworks, capabilities and industry change needed to make better retirement journeys possible.

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